₦airaland Forum

SohSoh:
Thank you for this information

1: that is why we don't have any working refinery in nigeria
2:that is why NNPC doesn't have one refinery attached to their name
3: that is why subsidy nearly finished this country
4: that is why they refused to supply Dangote crude ... despite investing 2billion and owning 20% of the refinery
5: that is why there is an alleged 210 trillion unaccounted for...

I could go on oh..... so again who in their right senses think NNPC of Nigeria is a good business partner.....

Everybody knows that NNPC is not a good manager, and it is because of that they are taking the route of partnership in every capital intensive-project instead of owning everything. Even Dangote has to partner with them for his refinery.

SohSoh:
Thank you for this information

1: that is why we don't have any working refinery in nigeria
2:that is why NNPC doesn't have one refinery attached to their name
3: that is why subsidy nearly finished this country
4: that is why they refused to supply Dangote crude ... despite investing 2billion and owning 20% of the refinery
5: that is why there is an alleged 210 trillion unaccounted for...

I could go on oh..... so again who in their right senses think NNPC of Nigeria is a good business partner.....

I dey suspect say you go be the Largest minority holder if NNPC gets listed 🤔

I don't think this companies (septlat, chevron) have a choice to work with another company ... as NNPC is the sole and or only business entity they are allowed to work with (correct me if i'm wrong and please name the alternative) cos NNPC is a terrible company to partner with..... or work with.....

GeneralDae:
But NNPC is the biggest partner to Seplat, Chevron and almost every oil upstream company in Nigeria you can think of. Even when it comes to shipping, they are into that business and anything you can think of upstream. This is a plus for Caverton.

thebargainhunte:
Everybody knows that NNPC is not a good manager, and it is because of that they are taking the route of partnership in every capital intensive-project instead of owning everything. Even Dangote has to partner with them for his refinery.

But NNPC seem to have the sole Ownership stake for Bauchi abi na Gombe Oil Exploration abi na both sef
Abeg fact check me Oo.
#Patriotism

chimex38:
But NNPC seem to have the sole Ownership stake for Bauchi abi na Gombe Oil Exploration abi na both sef
Abeg fact check me Oo.
#Patriotism

It is a joint venture between nnpc, nndc and sterling global oil

leo1234:
You have almost every stock on the exchange.

Your liquidity is on another level.

Much respect 👏

It's a GAME

Na AUDIO PORTFOLIO

SohSoh:
Who in their right mind... wants to do or go into business with NNPC.... NNPC na weyre.... ask Dangote weytin dem use him eyes see on top crude oil (petroleum).....

This is a service agreement. Has full government backing. Which indigenous shipping company dey now?

Pennystockwarri:
https://x.com/i/spaces/1zqJVjdpqYmJB

I'd be co hosting this Twitter space by 6pm wat tommorow. Feel free to pop in with your questions, as well as share your knowledge about the NGX.

Don't give up on trying to get Japaul on the space

thebargainhunte:
It is a joint venture between nnpc, nndc and sterling global oil

Oh OK.. I read on only NNPC activities on that area.

SohSoh:
I don't think this companies (septlat, chevron) have a choice to work with another company ... as NNPC is the sole and or only business entity they are allowed to work with (correct me if i'm wrong and please name the alternative) cos NNPC is a terrible company to partner with..... or work with.....

Most times, it's to protect our sovereign National interest.
Energy security..
So probably they have to Partner with NNPC as govt eyes 👀. The PIA act might even provide for it.

Unfortunately despite bad management, a country can't leave it's major source of income + strategic commodity, industries entirely in private hands. It's akin to surrendering your sovereignty.

Investment Marathon: Reaching Highs in NGX, NYSE & Crypto.
When I was growing up, common sayings in Shagamu, and among the Yorubas were 'The journey of a thousand miles begins with a step,' 'You can take a horse to the river but can't force it to drink,' and 'Think and grow rich.' These sayings don't fully align with today's reality. Now we know the journey of a thousand miles begins with the first taken step. We can also force a horse to drink water by feeding it with concentrated salt to cause thirst. Growing rich involves thinking, continuous learning, DOING, and growing rich.
On Nairaland NSEMPA forum of today, many investors aren't proud of their wins in a faceless forum; rather, the JIJO (Jump In, Jump Out) traders are the ones celebrating their wins. This norm shouldn't continue. I'd rather share my investment successes and mistakes to celebrate personal milestones and encourage others that long-term investing is key to building generational wealth, after all, no one knows me. Sharing milestones by investors on a faceless forum outweighs perceived disadvantages.

On this note, I'm proud of my long-term investments:
- NGX portfolio with N170M CAPITAL appreciation within 6 weeks in blue-chip companies in the ongoing rally.
- NYSE $11k(N19.5M) gain in my foreign portfolio despite the selloff seen 2 weeks ago
- N48M($32K) returns on CAPITAL in cryptos and digital assets YTD in the ongoing crypto rally.

These wins came through learning, discipline, perseverance, steadfastness, and prayers. I believe in taking care of my young and future self and family while aiming for generational wealth. Sharing investment milestones boosts perseverance in holding assets and helps achieve SMART goals. I'd say I've been favoured in my personal finance and investment journey. I hope to share hitting the US$1M goal one day.
Once again, investment is a marathon while short-term trading is a sprint. Wishing you all a fruitful H2, 2025.

Mankind2024:
Investment Marathon: Reaching Highs in NGX, NYSE & Crypto.
When I was growing up, common sayings in Shagamu, and among the Yorubas were 'The journey of a thousand miles begins with a step,' 'You can take a horse to the river but can't force it to drink,' and 'Think and grow rich.' These sayings don't fully align with today's reality. Now we know the journey of a thousand miles begins with the first taken step. We can also force a horse to drink water by feeding it with concentrated salt to cause thirst. Growing rich involves thinking, continuous learning, DOING, and growing rich.
On Nairaland NSEMPA forum of today, many investors aren't proud of their wins in a faceless forum; rather, the JIJO (Jump In, Jump Out) traders are the ones celebrating their wins. This norm shouldn't continue. I'd rather share my investment successes and mistakes to celebrate personal milestones and encourage others that long-term investing is key to building generational wealth, after all, no one knows me. Sharing milestones by investors on a faceless forum outweighs perceived disadvantages.

On this note, I'm proud of my long-term investments:
- NGX portfolio with N170M CAPITAL appreciation within 6 weeks in blue-chip companies in the ongoing rally.
- NYSE $11k(N19.5M) gain in my foreign portfolio despite the selloff seen 2 weeks ago
- N48M($32K) returns on CAPITAL in cryptos and digital assets YTD in the ongoing crypto rally.

These wins came through learning, discipline, perseverance, steadfastness, and prayers. I believe in taking care of my young and future self and family while aiming for generational wealth. Sharing investment milestones boosts perseverance in holding assets and helps achieve SMART goals. I'd say I've been favoured in my personal finance and investment journey. I hope to share hitting the US$1M goal one day.
Once again, investment is a marathon while short-term trading is a sprint. Wishing you all a fruitful H2, 2025.

Very far from this figures. Thanks for sharing and this is a good motivation.

My biggest loss has been in NYSE -strange how I seem not to make reasonable return there. I’m more focused with NGX and Crypto now.

Mankind2024:
Investment Marathon: Reaching Highs in NGX, NYSE & Crypto.
When I was growing up, common sayings in Shagamu, and among the Yorubas were 'The journey of a thousand miles begins with a step,' 'You can take a horse to the river but can't force it to drink,' and 'Think and grow rich.' These sayings don't fully align with today's reality. Now we know the journey of a thousand miles begins with the first taken step. We can also force a horse to drink water by feeding it with concentrated salt to cause thirst. Growing rich involves thinking, continuous learning, DOING, and growing rich.
On Nairaland NSEMPA forum of today, many investors aren't proud of their wins in a faceless forum; rather, the JIJO (Jump In, Jump Out) traders are the ones celebrating their wins. This norm shouldn't continue. I'd rather share my investment successes and mistakes to celebrate personal milestones and encourage others that long-term investing is key to building generational wealth, after all, no one knows me. Sharing milestones by investors on a faceless forum outweighs perceived disadvantages.

On this note, I'm proud of my long-term investments:
- NGX portfolio with N170M CAPITAL appreciation within 6 weeks in blue-chip companies in the ongoing rally.
- NYSE $11k(N19.5M) gain in my foreign portfolio despite the selloff seen 2 weeks ago
- N48M($32K) returns on CAPITAL in cryptos and digital assets YTD in the ongoing crypto rally.

These wins came through learning, discipline, perseverance, steadfastness, and prayers. I believe in taking care of my young and future self and family while aiming for generational wealth. Sharing investment milestones boosts perseverance in holding assets and helps achieve SMART goals. I'd say I've been favoured in my personal finance and investment journey. I hope to share hitting the US$1M goal one day.
Once again, investment is a marathon while short-term trading is a sprint. Wishing you all a fruitful H2, 2025.

Thanks for sharing sir and motivating we beginners.

Mankind2024:
Investment Marathon: Reaching Highs in NGX, NYSE & Crypto.
When I was growing up, common sayings in Shagamu, and among the Yorubas were 'The journey of a thousand miles begins with a step,' 'You can take a horse to the river but can't force it to drink,' and 'Think and grow rich.' These sayings don't fully align with today's reality. Now we know the journey of a thousand miles begins with the first taken step. We can also force a horse to drink water by feeding it with concentrated salt to cause thirst. Growing rich involves thinking, continuous learning, DOING, and growing rich.
On Nairaland NSEMPA forum of today, many investors aren't proud of their wins in a faceless forum; rather, the JIJO (Jump In, Jump Out) traders are the ones celebrating their wins. This norm shouldn't continue. I'd rather share my investment successes and mistakes to celebrate personal milestones and encourage others that long-term investing is key to building generational wealth, after all, no one knows me. Sharing milestones by investors on a faceless forum outweighs perceived disadvantages.

On this note, I'm proud of my long-term investments:
- NGX portfolio with N170M CAPITAL appreciation within 6 weeks in blue-chip companies in the ongoing rally.
- NYSE $11k(N19.5M) gain in my foreign portfolio despite the selloff seen 2 weeks ago
- N48M($32K) returns on CAPITAL in cryptos and digital assets YTD in the ongoing crypto rally.

These wins came through learning, discipline, perseverance, steadfastness, and prayers. I believe in taking care of my young and future self and family while aiming for generational wealth. Sharing investment milestones boosts perseverance in holding assets and helps achieve SMART goals. I'd say I've been favoured in my personal finance and investment journey. I hope to share hitting the US$1M goal one day.
Once again, investment is a marathon while short-term trading is a sprint. Wishing you all a fruitful H2, 2025.

Bro, are you from Sagamu or did you grow up there?

100% paternal & Maternal.

emmaodet:
Bro, are you from Sagamu or did you grow up there?

The day you avoid penny stocks on NYSE is the day your portfolio begins to experience compound interest. I use value cost averaging to grow my NYSE portfolio. No hype, no dollar cost averaging. I took the first cogent step to grow my NYSE portfolios in 2023. I was always in the red until I started applying the fundamental principles of investing. I avoid the day traders' thread ('US stocks pick alert') like a plague.

handsomebolanle:
Very far from this figures. Thanks for sharing and this is a good motivation.

My biggest loss has been in NYSE -strange how I seem not to make reasonable return there. I’m more focused with NGX and Crypto now.

megawealth01:
It's a GAME

Na AUDIO PORTFOLIO

I want to be like you when I grow up.

leo1234:
I want to be like you when I grow up.

Na fake life oooooo but the thing looks very good on MEGAWEALTH01. Just imagine an audio billionaire that have huge influence on stocks. There's no stock I get into that don't perform crazily nobi cho cho cho

handsomebolanle:
Very far from this figures. Thanks for sharing and this is a good motivation.

My biggest loss has been in NYSE -strange how I seem not to make reasonable return there. I’m more focused with NGX and Crypto now.

Investment in penny stocks generally requires HUGE FUNDS and PATIENCE especially in a BULL SEASON 🙏

“At the end of 2024, only 10 companies listed on the NGX had a market capitalization of $1 billion or more. As of August 1, that number has nearly doubled to 18.

The exchange rate used for August 1 was N1,530/$, while the rate at the start of 2025 was N1,500/$. Below is a list of companies that have crossed the $1 billion mark in market capitalization”.

https://businessday.ng/companies/article/nigerian-companies-with-market-capitalisation-above-1bn/

megawealth01:
Na fake life oooooo but the thing looks very good on MEGAWEALTH01. Just imagine an audio billionaire that have huge influence on stocks. There's no stock I get into that don't perform crazily nobi cho cho cho

I will adopt your hybrid investment approach when my liquidity improves.

I must make my own money through penny stocks too.

leo1234:
I will adopt your hybrid investment approach when my liquidity improves.

I must make my own money through penny stocks too.

It's a 🎯

leo1234:
I will adopt your hybrid investment approach when my liquidity improves.

I must make my own money through penny stocks too.

You dey mind mankindman.
Does he know how much Loco made from Loco stocks in the last 2 years of Tinubu's leadership?

Somebody used less than 50m to get almost 400m via penny stocks.

Do we need further analysis to prove that?
Loco is ready to account for his adventure in the kobo stocks.

In January 2025, one of my banks sent an email wishing me a Happy New Year 2025. On opening the image that accompanied the message, I saw this screenshot. The bank in question had tracked my transfer records. Of course, I knew I was going to be a stock billionaire in 2025. What surprised me was that this bank, which I least used, had seen far ahead of me. Have you received a similar message from any of your banks?

Jaiz Bank isn’t a saint and other (conventional) banks aren’t evil 🧵

Everyone’s clapping for Jaiz Bank for making ₦23.48B ‘without interest’, a feat even I applaud them for. 👏

BUT

Let’s clear something up before we cancel all other banks. I will try to clarify here that Jaiz didn’t “beat the system.” It instead just picked a smaller, safer system.

🧵 👇

✅ Yes of a truth, Jaiz doesn’t charge interest as per say. But they still make money off your loan, they just don’t call it interest.

Different label, same goal just structured differently to align with Sharia.

Jaiz Bank makes ‘profit’ using:
•Murabaha (markup sales)
•Ijara (leasing)
•Mudarabah (profit-sharing)
•Wakala (agency investing)

Evident in the sources below. 👇

📌 Jaiz Bank Official Products (jaizbankplc.com/jaiz-product-a…)

📌 Fitch Report on Jaiz – June 2025 (fitchratings.com/research/islam…)

Dumbing this down a bit more;

OTHER BANKS 🏦 :

“Here’s ₦10 million. Pay us back ₦12 million over 12 months. If you’re late, we’ll charge more.”

So basically?
•You get the cash.
•You decide what to do with it.
•They earn interest no matter what happens to you.

Meanwhile;

JAIZ BANK 🏦

“What do you want to do?
Buy machines? Start a shop?
We’ll buy it ourselves and sell or lease it to you at a profit.”

Basically?
•They don’t hand you cash.
•They buy the asset or fund the business directly.
•You repay them through agreed markup or rental fees.
•In some models (like Mudarabah), they also share the profit or loss with you.

Going a step further in Jaiz Bank’s 🏦 model

✅ Examples:

🔹 Murabaha (Cost + Profit):

You want to buy a bus for a transport business.
Jaiz buys the bus for ₦5M, then sells it to you for ₦6M, payable in 12 months.

🧠 You don’t get the ₦5M which is the original cost of the bus to go buy it yourself instead, you get the bus but still yet Jaiz Bank 🏦 makes ₦1M Naira when you pay back the ₦6M you agreed to pay for a bus that costs ₦5M.
—————•-
🔹 Ijara (Leasing):

You need office equipment.
Jaiz buys it and leases it to you for ₦100K/month. After X months, you own it.

🧠 You use the item, not the cash.
—————•-
🔹 Mudarabah (Profit Sharing):

You’re a tailor and need working capital.
Jaiz gives the materials and you agree to split profits 70/30 (you/Jaiz).
If the business fails without negligence, you lose time; they lose money.

🧠 They share both risk and reward with you.

Also here’s what most people miss:

Jaiz won’t go near:
•Risky startups
•Instant cash loans
•Credit cards
•Shaky infrastructure debt
•Businesses that deal in alcohol, gambling, or speculation

📌 Prohibited: Gharar, Maysir, Riba (Islamic Finance Principles)

Meanwhile,

Other banks will fund:
•Startups with 70% failure rates
•FX-dependent imports
•Government bonds that sometimes delay repayments
•SMEs with no collateral

So yes, they SHOULD charge interest, fees, and late penalties.

📌 CBN Loan Risk Pricing Model (cbn.gov.ng/out/2020/fprd/…)

Jaiz looks clean because it plays in a cleaner market. It doesn’t wrestle in the mud and of course that’s fine.

But that doesn’t mean other banks are evil.

📌 Islamic Banks and Risk: IMF Working Paper (imf.org/external/pubs/…)

👏 BIG Respect to Jaiz Bank Plc for proving you can profit also using this model. But don’t twist it into:

“All banks are wicked, Jaiz is the only moral one.” ❌

What you’re seeing isn’t morality.
It’s just risk selection and system design.

END.
©️KDTrader

I have penny stocks in my NGX portfolio that have returned 500 to 700%. The truth no one is telling Locodemy is that he needs a bit of patience and minimize his intrinsic habit of jumping in and jumping out of promising stocks. Otherwise, Locodemy would've been a double-digit stock billionaire. I personally acknowledge your foresight in discovering dormant stocks that usually turn into investors' favourites.

Locotrader:
You dey mind mankindman.
Does he know how much Loco made from Loco stocks in the last 2 years of Tinubu's leadership?

Somebody used less than 50m to get almost 400m via penny stocks.

Do we need further analysis to prove that?
Loco is ready to account for his adventure in the kobo stocks.

Mankind2024:
100% paternal + Maternal.

Waoooo
Was born and breed there.
One love bro

Locodemy is surely a rich man, but he would've been one of the wealthiest man from Imo State.Lol.
I do hope he stops toeing the line of Cathie Wood, one of the best stock pickers in the world, but a bad wealth manager. This woman would pick stocks before the mainstream Wall Street gurus and media ever heard about them, but before you'd say 'excuse me, ma,' she was already out of the stocks in the name of booking profits – only for the stocks to return 300 to 400%. This happened with Netflix @ sub $100 Nvidia @ sub $10 before reaching high of $1k plus and eventual stock splits, Palantir @ sub $7 Broadcom @ sub $50, Apple @ sub$50, Amazon @ sub $50 Tesla at sub $30, Bitcoin @ sub $2000 etc. It was this intrinsic behavior that made Morningstar investment magazine name her the 'Wealth Destroyer of the Decade.'

https://www.investors.com/etfs-and-funds/sectors/sp500-morningstar-calls-cathie-wood-the-worst-wealth-destroyer/



https://www.youtube.com/watch?v=xfl09vNonFk?si=RSljlYnBr0epGxy9

Ask Locodemy about Transcorp at N0.90, Champion Breweries @ subN3, Ellah Lakes @sub N3, Living Trust @ sub N2, C&I Leasing @ sub N3, Sterling @sub N3, Academy Press @ sub N2, Caverton at sub N3, FTN Cocoa @Sub N2 etc. I'm not sure if he ever traded Ikeja Hotel and Honey Flour! Imagine what the N50M of Locodemy invested in all these stocks in 2022 would be worth today in 2025? Your guess is as good as mine – N1.5B as a conservative estimate!!!!

Mankind2024:
Locodemy is surely a rich man, but he would've been one of the wealthiest man from Imo State.Lol.
I do hope he stops toeing the line of Cathie Wood, one of the best stock pickers in the world, but a bad wealth manager. This woman would pick stocks before the mainstream Wall Street gurus and media ever heard about them, but before you'd say 'excuse me, ma,' she was already out of the stocks in the name of booking profits – only for the stocks to return 300 to 400%. This happened with Netflix @ sub $100 Nvidia @ sub $10, Palantir @ sub $7 Broadcom @ sub $50, Apple @ sub$50, Amazon @ sub $50 Tesla at sub $30, Bitcoin @ sub $2000 etc. It was this intrinsic behavior that made Morningstar investment magazine name her the 'Wealth Destroyer of the Decade.'

https://www.investors.com/etfs-and-funds/sectors/sp500-morningstar-calls-cathie-wood-the-worst-wealth-destroyer/



https://www.youtube.com/watch?v=xfl09vNonFk?si=RSljlYnBr0epGxy9

Ask Locodemy about Transcorp at N0.90, Champion Breweries @ subN3, Ellah Lakes @sub N3, Living Trust @ sub N2, C&I Leasing @ sub N3, Sterling @sub N3, Academy Press @ sub N2, Caverton at sub N3, FTN Cocoa @Sub N2 etc. I'm not sure if he ever traded Ikeja Hotel and Honey Flour! Imagine what the N50M of Locodemy invested in all these stocks in 2022 would be worth today in 2025? Your guess is as good as mine – N1.5B as a conservative estimate!!!!

He also spotted TIP at #1.3 and tip is now #12

Can I say something BITTERLY TRUTHFUL HERE...

My money in CAVERTON was trapped for several months but I didn't complain here... At a time I considered it a huge mistake that might go just like COSTAIN. I usually take VERY HUGE RISK that many won't dire to TAKE. I developed tough skin and today CAVERTON is the envy of many...

That's why I said PATIENCE is a VIRTUE

Locotrader:
You dey mind mankindman.
Does he know how much Loco made from Loco stocks in the last 2 years of Tinubu's leadership?

Somebody used less than 50m to get almost 400m via penny stocks.

Do we need further analysis to prove that?
Loco is ready to account for his adventure in the kobo stocks.

400 million and still counting.

This is your year.

megawealth01:
Can I say something BITTERLY TRUTHFUL HERE...

My money in CAVERTON was trapped for several months but I didn't complain here... At a time I considered it a huge mistake that might go just like COSTAIN. I usually take VERY HUGE RISK that many won't dire to TAKE. I developed tough skin and today CAVERTON is the envy of many...

That's why I said PATIENCE is a VIRTUE

Liquidity is key 🔑

Not everyone have patient funds.

I remember selling 500k units of UBA @6 naira in 2020 just to raise 3 million for a real estate project that later failed.

I need liquidity